Cheap car insurance in Missouri

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How to get cheap auto insurance in Missouri

Missouri

Car insurance quick facts

20/50/10

Minimum liability requirements

$1,300

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

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Average car insurance costs in Missouri

Missouri sits just below the national average when it comes to annual car insurance costs. Drivers in this state can expect to pay about $1,100 a year; for reference, the national average is $1,200-$1,300.

What affects my costs?

Because car insurance is affected by so many different outside factors, you could still end up overpaying for your coverage. Some of the factors that contribute to high insurance costs include:

Age. If you’re younger than 25 or older than 70, you can expect to pay more for your coverage than the ages in between. This is because out of all age demographics, accident risk is highest among drivers between 16 and 19, and slowly lowers through the mid-30s.

Type of car. Owning a fast sports car is something a lot of people daydream about, and maybe you’ve got your eye on a Porsche when you retire someday. But it’s good to note that when cars are designed to go fast, they tend to be driven fast; this puts them at an elevated level of accident risk, and insurers will always charge accordingly. A Toyota Corolla might not have the same curb appeal, but it’s far cheaper to insure, maintain and fill up with fuel than an imported roadster.

Driving record. If you’ve only been driving for a few years, or if you have any serious black marks in your driving history, most insurers will charge you more for coverage. The longer you go without any accidents or traffic violations, the more likely you are to earn a good driver discount or something similar.

Location. Rural drivers typically pay less for car insurance than people who live and commute in high traffic or urban areas. This is because in the country, risks or theft, vandalism and multi-vehicle accidents are far lower, meaning rural drivers are less likely overall to file claims.

Gender. With the exception of three states — Hawaii, Massachusetts and North Carolina — women could pay 5-15% less for car insurance. This is because men are statistically more likely to get into accidents, far more likely to drive under the influence of alcohol and less likely to wear their seat belt. However, this insurance cost differential tends to even out as drivers approach the age of 50.

Marital status. Married people are seen as more stable, both financially and otherwise, and statistics show that married people are less likely to get into accidents or file insurance claims than single people.

Occupation. There are often special discounts or considerations made for people who work in certain fields. For example, teachers, professors and school administrators often pay less for their coverage, as do medical professionals and healthcare workers. Membership with certain professional organizations or work unions could also net you a discount.On the other side of the coin, if you drive your own vehicle throughout the day for work — say, outside sales representatives or site inspectors — the extra mileage and road time could increase your insurance rates.

Other drivers. Whenever you add another driver to your car insurance policy, all their factors start to play into your costs. This means even the safest middle-aged driver out there could pay higher than the average when their teenage son or daughter starts collecting speeding tickets with the family car.

Typical driving habits. Do you have a lengthy commute every day of the week? Do you put on more miles per week than the average driver? These kinds of things can help or hurt your chance of getting a great rate. If you never drive more than 50 or 100 miles in a week, tell your insurer and see if this can get you a lower rate.

Most popular Missouri auto insurance companies list

Company

Direct premiums written (billions)

Market share

State Farm

$918,147

22.2%

American Family

$532,496

12.9%

Progressive

$448,972

10.9%

Geico

$294,804

7.1%

Liberty Mutual

$258,271

6.3%

Shelter

$221,694

5.4%

Farmers

$217,629

5.3%

USAA

$177,154

4.3%

Allstate

$174,940

4.2%

Auto Club Exchange Group

$162,631

3.9%

Which city has the cheapest car insurance in Missouri?

Of Missouri’s largest cities, Columbia has the cheapest rates and Saint Louis has the most expensive car insurance rates. Saint Louis drivers could face rates 2 times more than Columbia drivers.

Car insurance quotes in O Fallon

State minimum car insurance requirements in Missouri

The minimum car insurance you’re required to carry depends on where you live. In Missouri, you can’t legally drive unless you carry liability insurance that includes at least:

$20,000 bodily injury liability coverage per person.

$50,000 bodily injury liability coverage per accident.

$10,000 property damage liability coverage per accident.

When shopping for car insurance, you may see these liability limits written as 20/50/10.

Missouri is among the 20 or so states that require its drivers to also carry uninsured/underinsured motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by an car insurance policy. To satisfy this requirement, you’ll need to maintain at least:

$25,000 uninsured/underinsured motorist coverage per person.

$50,000 uninsured/underinsured motorist coverage per accident.

What additional coverage can I get in Missouri?

Many car insurance providers in Missouri offer optional coverage for peace of mind that includes:

Loan/lease gap coverage. If you total your car in an accident and you still owe money on it, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.

Do I need SR-22 insurance in Missouri?

If you get a DUI in Missouri, you’ll typically need to file a Missouri SR-22 form in order to get your license and registration reinstated. This form guarantees that a driver will maintain their coverage to a legal minimum standard for a set amount of time, typically 3 years.

Bottom line

In Missouri, you’ll need to purchase both liability insurance and uninsured/underinsured motorist coverage to remain legal or face points, suspensions and jail time.

To get the cheapest coverage for your needs, carefully research your car insurance options when driving in the Mother of the West.

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Frequently asked questions about car insurance in Missouri

To register your car, visit your nearest Missouri Department of Revenue. You’ll need to submit your vehicle title, proof of insurance, an ID number and odometer inspection and your completed Form 108 — Application for Missouri Title and License, along with an $11 fee and your state tax on the vehicle.

Each car insurance policy varies, but it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

Yes, the driving record of any member of your household can affect the decision of the insurance company to insure your vehicle. To avoid being turned down for coverage or paying high-risk insurance premiums, ask your car insurance provider about a driver-exclusion endorsement.

When talking about car insurance, your deductible is the out-of-pocket expense you’ll pay for repairs to your vehicle under comprehensive or collision coverage. If your deductible is $1,000 and your claim totals $3,000, you pay the $1,000 and your insurance provider pays the $2,000 difference. Typically the higher your deductible, the lower your monthly rate.

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.

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